Pengaruh Pembiayaan Musyarakah dan Murabahah Terhadap Profitabilitas Bank Umum Syariah Periode 2016-2020

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Published: Jun 3, 2023
DOI: https://doi.org/10.19109/intelektualita.v12i1.17252
Keywords:
Musyarakah financing, Murabahah financing, profitability (ROA)

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Muhammad Zulfakar
UIN Raden Fatah Palembang
Maya Panorama
UIN Raden Fatah Palembang
Peny Cahaya Azwari
UIN Raden Fatah Palembang

Abstract

Tujuan penelitian ini adalah menganalisa pengaruh pembiayaan Musyarakah dan pembiayaan Murabahah terhadap profitabilitas (ROA) Bank Umum Syariah di Indonesia periode 2016-2020. Data menggunakan data sekunder yang diperoleh dari website setiap Bank. Sampel diperoleh dari metode purposive sampling. Teknik Analisis data yang digunakan adalah uji asumsi klasik (Uji Normalitas, Uji Multikolinearitas, Uji Heteroskedastisitas dan Uji Autokorelasi). Setelah itu dilakukan uji hipotesis (Uji t, uji F dan koefisien determinasi. Hasil penelitian menunjukkan Pembiayaan Musyarakah dan Murabahah memiliki pengaruh terhadap Profitabilitas (ROA). Lebih jauh lagi, Pembiayaan Murabahah memiliki dampak positif terhadap profitabilitas (ROA), sedangkan pembiayaan Musyarakah memiliki dampak negative terhadap profitabilitas (ROA).

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How to Cite
[1]
“Pengaruh Pembiayaan Musyarakah dan Murabahah Terhadap Profitabilitas Bank Umum Syariah Periode 2016-2020”, intelektualita, vol. 12, no. 1, pp. 117–121, Jun. 2023, doi: 10.19109/intelektualita.v12i1.17252.
Issue
Vol. 12 No. 1 (2023): Jurnal Intelektualita: Keislaman, Sosial, dan Sains
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Articles
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How to Cite

[1]
“Pengaruh Pembiayaan Musyarakah dan Murabahah Terhadap Profitabilitas Bank Umum Syariah Periode 2016-2020”, intelektualita, vol. 12, no. 1, pp. 117–121, Jun. 2023, doi: 10.19109/intelektualita.v12i1.17252.